--- title: "Best Credit Union Mortgage Rates in Augusta" description: "Augusta credit union mortgage rates, November 2026: 30-year fixed from 7.134% APR at Maine Solutions. 3 Maine lenders compared from real rate sheets — no paid ranking." canonical: "https://rateapi.dev/mortgage-rates/maine/augusta" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Mortgage Rates in Augusta Augusta credit union mortgage rates, November 2026: 30-year fixed from 7.134% APR at Maine Solutions. 3 Maine lenders compared from real rate sheets — no paid ranking. Updated November 2026 Maine Credit Unions **Key takeaways:** 30-year fixed mortgage rates for Augusta credit unions range from **7.134%** to **7.490% APR** (median 7.192%) across 3 Maine lenders, as of November 2026. Rates are ranked by true cost with zero affiliate bias. See our [methodology](https://rateapi.dev/methodology) for how these figures are collected. [Home](https://rateapi.dev/) / [Mortgage Rates](https://rateapi.dev/mortgage-rates) / [Maine](https://rateapi.dev/mortgage-rates/maine) / Augusta 7.134% Lowest 30yr APR Maine Solutions 7.192% Median APR 7.490% Highest APR 3 Maine Lenders Augusta mortgage rates range from 7.134% to 7.490% APR for 30-year fixed loans. Data from 37 credit unions in Maine, updated November 2026. > Source: [RateAPI.dev](https://rateapi.dev/mortgage-rates/maine/augusta) ## Top Credit Unions for Augusta Mortgages Ranked by lowest APR. Based on a $400,000 loan over 30 years. | Credit Union | Rate | APR | Est. Payment | | Peopleschoice Credit Union 30-Year Fixed | 6.28% | 6.28% | $2,471/mo | [Visit Site](https://www.peopleschoicecreditunion.com/) | Norstate Credit Union 30-Year Fixed | 7.49% | 7.49% | $2,794/mo | [Visit Site](https://www.norstatefcu.org/) | ## 30-Year vs 15-Year Fixed in Augusta Credit unions serving Augusta publish a 30-year fixed benchmark; 15-year figures appear here as soon as enough Maine lenders post them. | Term | Lowest APR | Lowest-rate credit union | Credit union median | Lenders | | 30-Year Fixed | 7.134% | Maine Solutions | 7.192% | 3 | | 15-Year Fixed | — | — | 6.281% | 2 | Rates as of November 13, 2026, from published Maine credit union rate sheets. ## How to Get the Best Mortgage Rate in Augusta Credit unions serving Augusta often offer lower mortgage rates than traditional banks because they're member-owned non-profits. Here's how to qualify for the best rates: 1 #### Check Your Credit Score Scores above 740 typically qualify for the best rates in Augusta. Most credit unions require a minimum of 620-680 for mortgages. 2 #### Join a Credit Union Many credit unions serving Augusta have flexible membership requirements. Some are open to anyone who lives, works, or worships in Maine. 3 #### Compare Multiple Lenders Even a 0.25% difference in APR can save you thousands over the life of your Augusta home loan. Compare at least 3-5 lenders. 4 #### Consider Points Paying points upfront can lower your rate. This makes sense if you plan to stay in your Augusta home long-term. ## Credit Unions Based in Augusta 5 credit unions are headquartered in Augusta. Local membership is often the easiest to qualify for — many accept anyone who lives or works in the area. [Capital Area Credit Union rates](https://rateapi.dev/credit-unions/maine/capital-area) [Connected Credit Union rates](https://rateapi.dev/credit-unions/maine/connected) [K V Credit Union rates](https://rateapi.dev/credit-unions/maine/k-v) [Maine State Credit Union rates](https://rateapi.dev/credit-unions/maine/maine-state) [Trademark Credit Union rates](https://rateapi.dev/credit-unions/maine/trademark) ### Mortgage Rates in Maine [All Maine Rates](https://rateapi.dev/mortgage-rates/maine) [Lewiston](https://rateapi.dev/mortgage-rates/maine/lewiston) [Portland](https://rateapi.dev/mortgage-rates/maine/portland) [South Portland](https://rateapi.dev/mortgage-rates/maine/south-portland) [Bangor](https://rateapi.dev/mortgage-rates/maine/bangor) ### Other Loan Products [Maine Credit Unions](https://rateapi.dev/credit-unions/maine) [National Mortgage Benchmark](https://rateapi.dev/mortgage-rate-benchmark) [HELOC Rates](https://rateapi.dev/heloc-rates) [Auto Loan Rates](https://rateapi.dev/auto-loan-rates) [Personal Loan Rates](https://rateapi.dev/personal-loan-rates) ## Frequently Asked Questions Common questions about mortgage rates in Augusta As of November 2026, 30-year fixed mortgage rates in the Augusta metro area range from 7.134% to 7.490% APR across credit unions serving Maine. The median rate is 7.192% APR. What are the current mortgage rates in Augusta? To get the best mortgage rate in Augusta: 1) Compare rates from multiple credit unions serving the Augusta metro area, 2) Improve your credit score above 740, 3) Consider paying points upfront for a lower rate, 4) Shop within a 14-day window to minimize credit score impact, 5) Get pre-approved before house hunting. How do I get the best mortgage rate in Augusta? Yes, credit unions serving Augusta, Maine typically offer lower mortgage rates than traditional banks. Because credit unions are member-owned non-profits, they return savings to members through lower rates and fees. On a $400,000 mortgage, this can save $50,000-$100,000 over 30 years. Are credit union mortgage rates lower in Augusta? For the best mortgage rates in Augusta, aim for a credit score of 740 or higher. Scores between 700-739 qualify for good rates, while 620-699 may face higher rates. Credit unions in Maine have varying requirements, so compare options even with lower scores. What credit score do I need for the best mortgage rates in Augusta? How much house you can afford in Augusta depends on your income, debts, down payment, and current mortgage rates. Most lenders prefer your total housing costs (including taxes and insurance) to be below 28% of gross income. Use current Augusta rates to calculate your maximum affordable home price. How much house can I afford in Augusta? ### Mortgage Rates in Other Maine Cities [Lewiston](https://rateapi.dev/mortgage-rates/maine/lewiston) [Portland](https://rateapi.dev/mortgage-rates/maine/portland) [South Portland](https://rateapi.dev/mortgage-rates/maine/south-portland) [Bangor](https://rateapi.dev/mortgage-rates/maine/bangor) ### Mortgage Rates by State [Alabama](https://rateapi.dev/mortgage-rates/alabama) [Alaska](https://rateapi.dev/mortgage-rates/alaska) [Arizona](https://rateapi.dev/mortgage-rates/arizona) [Arkansas](https://rateapi.dev/mortgage-rates/arkansas) [California](https://rateapi.dev/mortgage-rates/california) [Colorado](https://rateapi.dev/mortgage-rates/colorado) [Connecticut](https://rateapi.dev/mortgage-rates/connecticut) [Delaware](https://rateapi.dev/mortgage-rates/delaware) [Florida](https://rateapi.dev/mortgage-rates/florida) [Georgia](https://rateapi.dev/mortgage-rates/georgia) [Hawaii](https://rateapi.dev/mortgage-rates/hawaii) [Idaho](https://rateapi.dev/mortgage-rates/idaho) [Illinois](https://rateapi.dev/mortgage-rates/illinois) [Indiana](https://rateapi.dev/mortgage-rates/indiana) [Iowa](https://rateapi.dev/mortgage-rates/iowa) [Kansas](https://rateapi.dev/mortgage-rates/kansas) [Kentucky](https://rateapi.dev/mortgage-rates/kentucky) [Louisiana](https://rateapi.dev/mortgage-rates/louisiana) [Maine](https://rateapi.dev/mortgage-rates/maine) [Maryland](https://rateapi.dev/mortgage-rates/maryland) [Massachusetts](https://rateapi.dev/mortgage-rates/massachusetts) [Michigan](https://rateapi.dev/mortgage-rates/michigan) [Minnesota](https://rateapi.dev/mortgage-rates/minnesota) [Mississippi](https://rateapi.dev/mortgage-rates/mississippi) [Missouri](https://rateapi.dev/mortgage-rates/missouri) [Montana](https://rateapi.dev/mortgage-rates/montana) [Nebraska](https://rateapi.dev/mortgage-rates/nebraska) [Nevada](https://rateapi.dev/mortgage-rates/nevada) [New Hampshire](https://rateapi.dev/mortgage-rates/new-hampshire) [New Jersey](https://rateapi.dev/mortgage-rates/new-jersey) [New Mexico](https://rateapi.dev/mortgage-rates/new-mexico) [New York](https://rateapi.dev/mortgage-rates/new-york) [North Carolina](https://rateapi.dev/mortgage-rates/north-carolina) [North Dakota](https://rateapi.dev/mortgage-rates/north-dakota) [Ohio](https://rateapi.dev/mortgage-rates/ohio) [Oklahoma](https://rateapi.dev/mortgage-rates/oklahoma) [Oregon](https://rateapi.dev/mortgage-rates/oregon) [Pennsylvania](https://rateapi.dev/mortgage-rates/pennsylvania) [Rhode Island](https://rateapi.dev/mortgage-rates/rhode-island) [South Carolina](https://rateapi.dev/mortgage-rates/south-carolina) [South Dakota](https://rateapi.dev/mortgage-rates/south-dakota) [Tennessee](https://rateapi.dev/mortgage-rates/tennessee) [Texas](https://rateapi.dev/mortgage-rates/texas) [Utah](https://rateapi.dev/mortgage-rates/utah) [Vermont](https://rateapi.dev/mortgage-rates/vermont) [Virginia](https://rateapi.dev/mortgage-rates/virginia) [Washington](https://rateapi.dev/mortgage-rates/washington) [West Virginia](https://rateapi.dev/mortgage-rates/west-virginia) [Wisconsin](https://rateapi.dev/mortgage-rates/wisconsin) [Wyoming](https://rateapi.dev/mortgage-rates/wyoming) [District of Columbia](https://rateapi.dev/mortgage-rates/district-of-columbia) ## Build With RateAPI Access real-time mortgage rate data from credit unions across Maine via our REST API. 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